Tag: 上海水磨会所

Last Hazard Waste Day Of 2018 On Saturday

first_imgBusinesses are charged a fee and must pre-register with NRC Alaska. Households are free unless the haul contains more than 55 gallons of waste in which case they must also pre-register. The Boroughs hazardous waste disposal program gives households and small businesses the opportunity to properly dispose of hazardous wastes and chemicals. To pre-register and for specific waste disposal questions, call NRC Alaska at (877) 375-5040. For general questions, call the Kenai Peninsula Borough Solid Waste Department at (907) 262-9667. Facebook0TwitterEmailPrintFriendly分享Central Peninsula Landfill in Soldotna will be hosting the final hazardous household waste day of the year on Saturday, November 10.center_img There is a 3 drum limit per household per year. The Central Peninsula Landfill will take those items from 8:00 am to 5:00 pm, on Saturday, November 10.last_img read more

first_imgFormer BusinessWeek publisher McGraw-Hill reported that net income during the fourth quarter of 2009 spiked 44.3 percent over the same period last year to $167.4 million, the company said in an earnings report released Tuesday. The results included a $10.5 million pre-tax gain ($6.7 million after tax) from its sale of BusinessWeek to Bloomberg LLP late last year.Previously, McGraw-Hill said it expected a $5.9 million gain after tax on the BusinessWeek sale.Meanwhile, full-year net income declined 8.6 percent to $730.5 million and revenue slid 6.3 percent to $5.95 billion for 2009.McGraw-Hill’s information and media division saw operating profit surge 40.6 percent to $45.9, bolstered by the BusinessWeek sale. For the full year, profits were mostly flat (up 0.7 percent) to $92.7 million on $953.9 million in revenue. McGraw-Hill continues to publish several publications include Aviation Week and several trade titles under its McGraw-Hill Construction group.last_img read more

WASHINGTON TO WILMINGTON The Latest News From Moulton Markey  Warren

first_imgWILMINGTON, MA — Below is the latest news from the offices of Congressman Seth Moulton, Senator Ed Markey, and Senator Elizabeth Warren.Congressman Seth MoultonRecent Press Releases and Statements from Congressman Moulton’s Office:Statement on Trump’s Decision To Withdraw From The Iran Nuclear DealSenator Ed MarkeyRecent Press Releases and Statements from Senator Markey’s Office:Senator Markey Urges FTC To Require Additional Privacy Safeguards At FacebookSenator Markey Statement On President Trump’s Decision To Withdraw From Iran Nuclear DealSenate Democrats Take Final Step Necessary To Force A Vote To Reinstate Net NeutralitySenator Elizabeth WarrenRecent Press Releases and Statements from Senator Warren’s Office:Warren and Perdue Introduce Bipartisan Bill To Improve Military Sexual Assault Treatment Warren Statement On President Trump Withdrawing From The Iran DealWarren, Daines, Shea-Porter Kelly Introduce Bipartisan Bill To Streamline National Guard Promotion ProcessLike Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email wilmingtonapple@gmail.com.Share this:TwitterFacebookLike this:Like Loading… RelatedWASHINGTON TO WILMINGTON: The Latest News From Moulton, Markey & WarrenIn “Government”WASHINGTON TO WILMINGTON: The Latest From Moulton, Markey & WarrenIn “Government”WASHINGTON TO WILMINGTON: The Latest News From Moulton, Markey & WarrenIn “Government”last_img read more

first_imgKorean auto giant Hyundai officially launched the new variant of its entry level small car Eon in India at a price point of 3,83,130 (ex-showroom, New Delhi).The new avatar of Eon with 1.0 litre Kappa engine will go on sale in India alongside the current 800cc Eon. The Eon’s new powerful model will be available only in Magna+ variant. Powered by the advanced 1.0 litre three-cylinder engine, latest Eon is expected to churn out a power of 69PS@6,200 rpm and peak torque at 9.6 kgm at 3500 rpm. The car promises to deliver a fuel efficiency of 20.3 Kmpl (ARAI Certified).Hyundai Eon, a stylish small car offering in the domestic market competes with Maruti’s entry level cars Alto and Alto 800. With the launch of new powerful engine equipped Eon, Hyundai hopes to give stern competition to its rivals.”Hyundai Eon has been a trendsetter of style, performance, design and finesse in its segment and has received good acceptability and appreciation from its customers. Hyundai consistently innovates to meet and exceed the demands of the customer and the 1.0 litre Kappa engine now offered in Eon is an extension of our modern-premium brand philosophy and will delight our customers with unparalleled driving experience and further consolidate Hyundai’s position in the domestic market,” B S Seo, Managing Director and CEO, HMIL said at the launch.Hyundai, which is planning to expand its car line up in India, is expected to launch 2015 i20 in coming months. The car, codenamed ‘IB’ has been spied testing many times in the country, hinting that the launch is not far.In April, Hyundai registered 8.78 percent growth in domestic sales, as against the 32,403 vehicles sold in last April. The total sales of the company for the same month declined by 11.81, when compared o the 56,953 units sold in the corresponding month last year.Image credit: Hyundai press release(Ed:AJ)last_img read more

Why Rice Researchers Created A Tombstone For An Icelandic Glacier

first_img X To embed this piece of audio in your site, please use this code: 00:00 /09:33 Dominic Boyer, Cymene Howe/Rice UniversityAn aerial view of the former Okjökull glacier.Rice researchers will place a memorial on the former site of Okjökull, the first Icelandic glacier to be lost due to climate change.Rice University’s associate professor of anthropology Cymene Howe and professor of anthropology Dominic Boyer said they wanted to create something similar to a  “tombstone” for the glacier to remind people that its loss is part of a larger global issue.“We wanted to create a kind of calling that people would recognize” Howe said. “What we want to recognize with this is that anthropogenic climate change is also a human event and it’s one that we have control over and that we can also recognize a way forward.”Boyer said that while Okjökull, commonly known as “Ok”, is Iceland’s first glacier to disappear, more will follow in the coming decades. Okjökull lost its status as a glacier in 2014, after melting down to one square kilometer and 15 meters deep, according to The Guardian. Ok originally measured almost 15 square kilometers. Howe and Boyer said that scientists are worried all of the 400 glaciers surrounding Iceland will disappear by 2200. Dominic Boyer/Cymene HoweThe memorial plaque for the Okjökull glacier that will be unveiled August 18.The researchers also produced a documentary last year called “Not Ok,” that documented Okjökull losing its glacier title. They said their goal in bringing attention to Ok’s story is to “move beyond the science question.”“We wanted to move beyond this question of constantly being worried about the science,” Howe said. “Because it doesn’t seem to be getting us where we need to be, which is collectively coming to an agreement about how we can all collectively turn back the dials on CO2 and other emissions that are causing global warming.”On the plaque, the figure “415 ppm CO2” is inscribed to represent the record-breaking levels of carbon dioxide that were recorded in the atmosphere earlier this year. Howe said this serves as a reminder of what’s at stake. “If we extend out our thinking beyond this little glacier in Iceland, we can see that there are really dramatic environmental impacts that are affecting not just people who live near glaciers, but people who live along coasts everywhere in the world,” she said. This thinking also applies to Houston, even though the city is far away from any glaciers or ice sheets. “If we let this amount of CO2 stay in the atmosphere, Houston will literally go under water,” said Boyer. “And that’s not going to happen tomorrow, but it’s almost guaranteed without substantial changes.”The plaque will be unveiled at the site of Okjökull on August 18. Listen to the researchers discuss the glacier on Houston Matters in the audio below: Listen Sharelast_img read more

French Consul General pays visit to Chandannagar

first_imgKolkata: The Consul General of France in Kolkata, Virginie Corteval, made a day-long visit to Chandannagar, a former French colony, as part of an effort to shape the people-to-people contact between France and Bengal. As a tourist, she had visited the town about 20 years ago. In a statement issued on Sunday, Corteval said she took great pride in announcing that “we are formalising our relationship and institutionalising our partnership, working as collaborators between the government, private sector and civil society.” During her visit, the diplomat also dropped in at some Jagaddhatri Puja pandals and learnt about their themes. Also Read – Rain batters Kolkata, cripples normal lifeThe Jagaddhatri Puja is a major festival of the heritage town that attracts crowds from all over West Bengal. She thanked Chief Minister Mamata Banerjee for her commitment to develop “river tourism along the river Hooghly.” The diplomat referred to the ‘Bonjour India’ initiative of France and said the restoration and reuse of the Registry Office building in Chandannagar has given impetus to a proposal to revitalise and redevelop the entire Strand area of the town. Also Read – Speeding Jaguar crashes into Mercedes car in Kolkata, 2 pedestrians killedChandannagar, formerly spelt as Chandernagore, situated on the banks of the Hooghly, became a French colony in 1673 when France wanted to set up a trading post. The French lost the town to the British in 1757 and regained control of it in 1816. It remained a French territory in India till 1950. “We are very grateful to the Government of West Bengal, Chief Minister Mamata Banerjee, the Minister of Tourism Goutam Deb, Minister of State for information and Culture Indranil Sen…” for their endeavour to widen this initiative to not just restoring buildings but creating livelihood opportunities and economic development for the people of this town,” the consul general said.last_img read more

Lowering GST on handlooms will motivate younger craftspeople Ritu Kumar

first_imgVeteran fashion designer Ritu Kumar says it is important to lower the Goods and Services Tax (GST) on handlooms to sustain the sector and improve the livelihood of craftspeople. India today has 16 million craftspeople who are working on textiles as an everyday profession, she noted. “This is… the size of most small countries; the population. It is very important to both sustain the craft and the art behind (handloom) as well as the livelihood of so many people,” she told in an interview, adding that the sector had the potential to be a huge generator of income. Also Read – Add new books to your shelf”Today you see a lot of craftspeople’s children moving to the city and not taking up traditional crafts. It is important to provide incentives for them to come back and work. If we can lower the GST, or eliminate it, from the handicraft or handloom areas, it will give an incentive to the younger craftspeople to come back to this livelihood,” she added. Handloom fabrics and handloom apparel have been made taxable with GST rates of 5 per cent and 12 per cent, respectively. Also Read – Over 2 hours screen time daily will make your kids impulsiveKumar started her career in 1969 and has great understanding of traditional design and the innovative use of traditional crafts. She started with just four hand-block printers and two tables in a small village near Kolkata and pioneered the term “fashion” in the Indian context.With an over four-decade-long journey in the industry, Kumar, whose list of clients include Aishwarya Rai Bachchan, Priyanka Chopra and international celebrities such as the late Princess Diana and Mischa Barton, has seen the evolution in the fashion world. “Textiles, in India in particular, have involved in a fairly spectacular manner. From almost being non-existent after the colonial ban on most handlooms and handicrafts, it has today evolved into the best of each discipline… whether it is weaving, printing or embroidery,” said Kumar.”This has not happened in any other country where most textiles and crafts were systematically decimated and were found in museums rather than in everyday use. This is the miracle that I’m seeing in India,” she added.The designer, who was awarded the Padma Shri in 2013 for her exceptional service in the field of fashion, textiles and craftsmanship, feels the history of Indian textiles was ignored in the 150 years of modernisation.”And we, from being one of the countries with the largest exports of textiles, became one of the largest importers of Lancashire and Manchester produced goods. So what we completely ignored was the historical significance of India as a creator of textiles and an influencer of fashion for centuries, a place where I think its slowly going to get back,” said the designer.Kumar is currently showcasing at the fifth edition of the Nayaab exhibition that celebrates the magnificence of Indian weaves. It is curated by Rupa Sood and Sharan Apparao.”This is our first time being a part of Nayaab. It’s an effort to celebrate Indian textiles, which falls in line with our brand DNA. Nayaab strives for excellence and believes in celebrating the finest of Indian weaves by curating and showcasing the wonders of Indian textiles. This edition aspires to embody the traditions of Indian textile heritage and epitomises the stories of the countless hands that have worked to create these masterpieces.”last_img read more

Make travel more rewarding with Best Western

first_imgBest Western RewardsMake travel more rewarding with Best WesternWith millions of members across the globe, Best Western Rewards® is one of the richest reward programs in the industry, offering among the most generous rewards compared to other loyalty programs.Recognized as one of the top hotel loyalty programs in US News & World Report’s annual list for four consecutive years, Best Western Rewards works for its members, giving you the freedom and flexibility to choose how your earn and redeem your points.There are many reasons why Best Western Rewards is so popular, starting with the fact that it’s FREE to join. It takes just moments to sign up, but once a member has joined they enter a world of exciting earning opportunities and additional perks, such as members-only promotions and offers.As a member, guests will receive 10 points for every US dollar spent on qualifying stays at Best Western’s collection of more than 4,100 hotels and resorts worldwide. Best Western Rewards points never expire, and they can be redeemed for free room nights with no blackout dates.In addition, elite members of other hotel reward programs will be immediately elevated to the same tier with Best Western Rewards, under our ‘Status Match… No Catch’ initiative.And that’s not all! Best Western Rewards’ extensive array of program partners means that members can earn and redeem points for a wealth of other travel and lifestyle products.Members can use their points to travel the globe on some of the world’s biggest airlines, grab a coffee and a snack at Starbucks or Dunkin Donuts, hire a car with Avis or Budget and then fill up the tank at Shell and Exxon Mobil gas stations, purchase lifestyle goods, and even make charitable donations to many good causes, such as the Red Cross or Make-a-Wish Foundation.And if the choice is too much, members can simply redeem their points for a relaxing stay at any of one Best Western’s 4,100+ hotels and resorts around the world. Best Western RewardsVisitSource = Best Western Hotels & Resortslast_img read more

Rep Lilly We must invest in local veteran service offices

first_img Categories: Lilly News 12Feb Rep. Lilly: We must invest in local veteran service offices Lawmaker is cosponsor for bill providing counties grants for veteran servicesState Rep. Jim Lilly of Park Township last week cosponsored legislation encouraging Michigan counties to establish and maintain veteran services through a new grant program.Under this legislation, each county with a veteran service office that satisfies pre-approved requirements would receive $25,000, plus an additional amount based on the number of veterans in the county. To continue receiving the grant, an established county veteran service office must meet benchmarks for staff performance and reporting while maintaining the previous year’s funding level.“We must ensure that our veterans are being taken care of,” Lilly said.  “Investing in local veteran service offices will give veterans, who have fought for our rights and freedom, the resources they need and deserve.”Under the current veteran’s benefits system, the state supplies the Veteran Service Coalition with a grant to provide benefit services to veterans. Depending on the county, a Veteran Service Officer may only be available for a few hours each month at a single location. This bill provides incentives to counties to develop or enhance a tool for providing sufficient services for veterans.House Bill 5536 was referred to the House Military and Veterans Affairs Committee.###last_img read more

Viacom International Media Networksowned MTV UK i

first_imgViacom International Media Networks-owned MTV UK is to launch a new channel aimed at 16-34 year-olds. MTV OMG – ‘Obsessed by Music and Gossip’ – will debut on March 1 and will be available as a pay TV service on Sky and Virgin Media.The channel will feature a mxi of content including The Official Charts: Weekly Top 40, Artist Hosted Playlists, Voiceover Playlists, Themed Countdowns and Quizzes.The new channel will replace existing free-to-air service Viva, a move that MTV said reflected its renewed focus on investing in music TV on MTV and its sister brands.The current line-up of MTV channels in the UK market includes MTV Music, MTV Base, MTV Hits, MTV Dance, MTV Rocks, MTV Classic, VH1 UK and MTV Music +1.“We’re really excited to be launching MTV OMG as the latest installment to our booming MTV music pack. The channel will be a great complement to the rest of our portfolio, bringing audiences all the latest pop culture moments, music and gossip from the world of entertainment,” said MTV UK VP and brand lead Kelly Bradshaw.last_img read more

first_imgSo through the night rode Paul Revere; And so through the night went his cry of alarm To every Middlesex village and farm,— A cry of defiance, and not of fear, A voice in the darkness, a knock at the door, And a word that shall echo for evermore! For, borne on the night-wind of the Past, Through all our history, to the last, In the hour of darkness and peril and need, The people will waken and listen to hear The hurrying hoof-beats of that steed, And the midnight message of Paul Revere.–Henry Wadsworth Longfellow How would history be different if, when Paul Revere rode through every Middlesex village and farm yelling, “The British are coming, the British are coming!” if all of his friends and neighbors called him an alarmist, a warmonger, or a guy just trying to hawk sales for his ammunition company? What if they all said, “Go back to bed. He’s just another guy trying to peddle his product.” In my book Retirement Reboot, I shouted an equally serious warning: “Inflation is coming! Inflation is coming!” I’ve been trying to warn my friends and neighbors to take precautions and defend themselves. But I’ve been frustrated, feeling like I’m doing a poor job. Why don’t they seem to see the danger that I see so clearly? When the first issue of Miller’s Money Forever hit the web, I was at my summer home in Illinois. While I’m in the Midwest, I have a regular Tuesday breakfast with the ROMEO (Retired Old Men Eating Out) club, and my new project was quickly distributed among my friends. Less than two weeks later, an email hit my inbox that was originally from a neighbor across the street. I had never spoken to this neighbor before, but I would casually wave “hello” when he drove by in his new Mercedes. The message was a copy of an email my neighbor had sent to my ROMEO friends, but not to me. Apparently he had shown my material to his money manager, and he proceeded to blister me with harsh remarks. He thought I was just another fearmonger, trying to sell fear to hawk our product. Of course it bothered me, and my first inclination was to defend my motives. To his credit, within a week of distributing that email, I got a very kind, sincere apology from him. He said that his email was inappropriate, and he certainly would not want anyone doing something like that to him. I never did get the whole story. I suspect that some of my ROMEO friends who know me well might have spoken with him. To this day he and I have exchanged a couple of emails, but we have never spoken. He does have a good reputation in the neighborhood. My real concern today, however, is not a spat with my neighbor. Rather, it’s the very personal effect his scathing email had on me. God forbid anyone call me a fearmonger! I found myself writing a bit more timidly, toning down my language and tempering my opinions. Instead of using words like “hyperinflation” – a problem I am damn concerned about – I wrote “inflation or possibly even high inflation.” I wonder what would have happened if Paul Revere had said: “Sorry to wake you. You know the British are a tad peeved about us throwing their tea in the pond. We see some ship movement in the harbor; not sure what it is. I just wanted to share this with you. Oh yeah, I also wanted to mention, we cast musket balls down at the shop.” I will confess: for the last several months, I’ve been tiptoeing around a huge issue facing seniors and savers. I have skirted the issue, only focusing on part of the problem.Why Ask Why? The Federal Reserve recently announced that it is going to continue to clamp down on interest rates until at least 2015. I have been warning folks of the effects this will have on retirement plans for some time. The most recent data from the US Census Bureau indicate that a person with a total net worth of $856,000 (including their home) is in the top 7% of the population. If you estimate that home is worth $356,000, the person would have a portfolio to invest of $500,000. In 2007, before the government decided to clamp down on interest rates, you could invest that money in 6% CDs and earn $30,000 in interest. For decades almost all financial planning tools used 6% as a retirement benchmark. Now, the best rate for a 5-year CD is 1.2% interest. The same CDs would earn $6,000 in interest. The interest does not even cover the government-reported 2% inflation. Add that $6,000 to your Social Security check and that is what you have to live on… if you’re in the top 7% in net worth. I shudder to think about the other 93%. For an investor to earn that same $30,000 today, he would have to have $2,500,000 in CDs; that would likely put him in the top 1% of the population. While I want to stick to the facts, I was beating around the bush when it came to the inflation figure. In the vernacular of my grandchildren, “Grandpa’s copping out!” At the risk of being called a fearmonger, I want to share some additional data with you – data everyone needs to see and understand. If you think I’m a fearmonger, I’m sorry. Take a look and decide for yourself.That Lurking Feeling For the last year or so, I’ve had a very uncomfortable feeling. The stock market has rebounded from the 2008 crash, the government is reassuring us that inflation is under control, and my brokerage account is doing fine. Where is this feeling coming from? Let me start by explaining how government policy has affected the value of your personal retirement savings. Since 2002, the S&P 500 Index – a basket of stocks that Wall Street folks use as a proxy to tell you how most people’s mutual funds are doing – is up a hefty 60% after recovering from 2008 losses. It’s not a pretty picture, but 60% gains over a decade aren’t awful. And most folks have recovered their losses, right? Then how come things just don’t feel that good? You all know what I’m talking about: despite the headlines about record highs for stocks, your savings probably feel much more paltry now than they did 10 years ago. I know mine do. That’s because inflation is running rampant. Surely you’ve read that inflation is only 2%. But anyone who fills up their tank with gas, buys a loaf of bread, or tries to finish their Christmas shopping knows that is complete baloney. You know it the same way you know that 8% unemployment is not even close to the real level. The simple, inconvenient truth that everyone knows is this: the government manipulates the statistics it publishes for its own interests. But the cost of this manipulation is affecting us all, right now. Thankfully, a really brilliant statistician named John Williams has made it his personal crusade to keep all of us informed. At Shadow Government Statistics, Williams digs into the raw data published by banks, universities, and government agencies and applies time-tested formulas that the government once used to report all this data to track the real rate of inflation, unemployment, and other key economic indicators. I’ve been a Shadow Government Statistics subscriber for quite some time, and each new report I read confirms the conflict between the government-reported data and the truth. Williams is constantly warning that hyperinflation is on the horizon, and he gives some doggone good reasons why. At the risk of being called a fearmonger, this data should be a wake-up call to everyone. If Williams is right and hyperinflation becomes a reality, there will be so much panicked selling throughout the world that nearly everyone with even a modest portfolio will take a terrible hit before they have time to react. Our stocks, in real dollars – or “purchasing power parity” (PPP), to dip into economist-speak – are actually worth 40% less than they were 10 years ago. If you adjust the value of the S&P 500 using your ability to buy real goods like food, then the picture is a lot less pretty. That blue line up there: that’s the value of your portfolio over the past ten years if you’ve been following Wall Street’s prescription. According to the government’s official inflation statistics, it’s the red line, which shows the increases in the S&P 500 adjusted by the government-published inflation figures. Oh, and the green line? That is the real value of your portfolio when you adjust for a more realistic rate of inflation. It’s no wonder that so many folks feel uncomfortable. The government estimates for inflation are a joke. It’s easy to overlook that when you don’t see the impact on your monthly statements – that’s what the government is banking on. But in reality, it’s costing you a chance at achieving your retirement dreams. In a paper on wealth trends published earlier this year, New York University professor Edward N. Wolff wrote: ” Between 2007 and 2010, median wealth plunged by a staggering 47 percent! Indeed, median wealth was actually lower in 2010 than in 1969 (in real terms).” When the first TARP bill was passed to bail out the banks, polls showed that 90% of Americans opposed it, but the government did it anyway. Everyone knew it was wrong, but it still happened. Now we have QE programs ad infinitum. We were told that these bailouts would solve our problems, but things continue to get worse. So if all this quantitative easing is making us poorer, why does the government lie about it? It does so because it is in its own best interest; the federal government has much to lose if the population learns the truth. Think back to the Tea Party Taxpayer March on Washington, DC, when a few hundred thousand people from all over the country marched on Washington. Some participants used “T.E.A.” to stand for “Taxed Enough Already!” It was a peaceful tax revolt, but both political parties and the media set out to destroy the message and credibility. “The Tea Party” now has the distinction of being the most negative phrase in US politics. God forbid that anyone revolt against taxes. I can just hear the politicians chuckling to themselves: “The last time the bloody people had a tax revolt they fired the king, threw out the entire government, and had the silly notion to govern themselves. When are they going to learn they are better off with government controlling every aspect of their lives? If we lie to them, it is for their own good.” The government doesn’t manipulate these numbers to suppress the value of your stocks. Wealthy politicians (the average net worth of a congressman is $7.3 million) suffer just as much when that happens, which is why they rush to prop up the market every chance they get. Despite popular belief, they don’t do it just to paint a rosier picture in order to help their chances of reelection. Sure, that’s part of it, but it’s not the biggest part. Mostly, they do it to continue fueling their spending binges… at the expense of your retirement. That spending, of course, has no other purpose than to get politicians reelected and to keep their massive corporate donors happy. The surest vote is the one you buy. Most politicians don’t think about things far enough ahead to be concerned about their constituents’ retirement goals and plans.The Disastrous, Long-Reaching Consequences When the value of the dollar goes down faster than the government-published inflation rate, it’s not just the value of stocks that go down. The value of your Social Security and Medicare benefits drop, too. Remember, our Social Security check is supposed to be indexed to inflation. I recently read that preliminary figures predict a 1-2% annual benefit increase in 2013, the lowest since automatic adjustments were adopted in 1975. If you receive Social Security, you also know that what the government giveth, it may also taketh away. It’s no surprise that the bureaucrats in charge didn’t announce next year’s increase in deduction amounts for Medicare and drug coverage taken out of your Social Security check before the election. The most recent news I read on the subject is pretty clear:“How much will Medicare Part B premiums be in 2013? “Most people will pay $104.90 per month for Medicare Part B premiums, which is a $5 monthly increase from 2012’s premiums. But high earners will pay more, as they have since 2007.” Now in the lowest bracket, that’s only a $5/month increase. Those folks were paying $99.90 in 2012. That’s about a 5% increase, more than double the so-called inflation rate that sets the increase in benefits. Savers who have managed to build up a nest egg will note that their increase is much more significant. I asked our research team to build a graph to show the effects of inflation on our Social Security check. It’s a little scary. Officially, theoretically, your Social Security checks keep up with inflation. I got my first Social Security check in 2002. To keep the math simple, imagine it was $1,000. Today, that check would be $1,270, due to the automatic cost of living adjustment (blue line). The red line represents the “official” cost of living inflation numbers as reported by the government. The $1,270, according to the government’s “official” statistics, will buy the same amount of goods that $1,000 did in 2002. The green line uses the Shadow Government Statistics inflation numbers and factors in the government increases. Even with the government’s automatic cost of living adjustments, my $1,000 check would only buy $477 worth of goods today. Ouch!John Mauldin recently interviewed David Krone, chief of staff for the Senate Majority Leader Harry Reid, and Rob Lehman, chief of staff for Senator Rob Portman. As they discussed current interest rates, Lehman remarked: “A 1% increase in the rate of interest adds $130 billion to the deficit.” Krone added that he “saw no problem with interest rates going lower; perhaps we should even charge people for holding their money for them.” The result of QE, QEII, QEIII, TARP, TALF, and all the other alphabet-soup policy changes of the last few years has already reduced the real value of your retirement savings by 40%. And it has already reduced your real Social Security benefits by about 52.3%. What does that mean for retirees? Well, investment income from safe, interest-bearing investments is going to stay in the tank for at least the next decade. In the meantime, the cost of living is skyrocketing as the government keeps the printing press on high. Despite government promises, our Social Security checks are not going to keep up with true inflation, and our nest eggs are at risk. This is the investment challenge retirees are facing. I don’t need to use the word “hyperinflation” to make my point – just some historical data from the last decade. I suspect that Paul Revere might have had a few folks pretty upset when he woke them up in the middle of the night. Today, as a relatively free American, I’d like to thank him.Turn on the Night-light There you have it! I have expressed my concerns, and they are based on real facts. Question my motives if you want, but know that I didn’t ask for this job. I took it on as a personal challenge to help others in my peer group: retirees, seniors, and savers just trying to survive. What would Paul Revere have said about his motives? He likely would have said that he simply wanted his friends to wake up! The danger is imminent, and we need to take precautions to defend ourselves. Only this time, it is not the British: it is our own federal government. If you agree with me, take the necessary precautions. If you have already done so, good for you! Stay diligent. If you don’t agree with me, please roll over and go back to sleep.On the Lighter Side As this is our last issue before Christmas, I want to share a couple of quick thoughts. First, thank you to all of our readers. This has been one of the most exciting years of my life. Our subscriber growth and feedback has been terrific, and I want everyone to know just how much I appreciate it. Today’s article is from my heart. We are in this together, and I want to help all seniors and savers survive and thrive. And finally… Every Tuesday we have a conference call with the core players on our team: Alex, Ann, David, Lee, Vedran, and me. They asked me to convey on behalf of the entire team, our wish that everyone enjoy a wonderful holiday season in whatever manner you and your family choose to celebrate. It is “Merry Christmas” in the Miller household. We will be feeding 17, with the first grandson arriving on the 20th and the entire family departing the 28th. Grandma Jo has the freezer stocked with cookies and fudge; she can’t buy a turkey until the last minute because there is no room left for one. There is nothing better than being a grandpa surrounded by loving family. Until next week…last_img read more

first_img Skyharbour Resources Ltd. (TSX.V: SYH) owns a 100% interest in approximately 400,000 acres of land between seven uranium properties in the uranium rich Athabasca Basin region in northern Saskatchewan. Six of the properties consisting of approximately 388,000 acres of prospective ground are strategically located near the Alpha Minerals (TSX.V: AMW) and Fission Energy (TSX.V: FIS) Patterson Lake South (PLS) uranium discovery area. The properties were acquired for their proximity to the PLS discovery and interpreted favourable geology for the occurrence of PLS style uranium mineralization. Skyharbour’s land position is now one of the largest in the Patterson Lake area. The Athabasca Basin hosts the world’s largest and richest high-grade uranium deposits accounting for approximately 20% of global primary uranium supply. There are still areas in the region that are highly prospective and underexplored as illustrated by the new 49.5 metres of 6.26% U3O8 discovery at the Patterson Lake South property. Please visit our website for more information. The dollar index closed at 82.47 on Friday…and gapped down a bit at the Sunday night open in New York…and then kept heading lower from there.  The low tick [82.05] came minutes after 8:00 a.m. in New York…and the subsequent 25 basis point rally ended at noon…and that gain had all but disappeared by the close.  The index finished the Monday session at 82.14…down 33 basis points from Friday’s close. Here’s the New York Spot Silver [Bid] chart on its own, so you can observe the New York action…the only price action that really matters…more closely. (Click on image to enlarge) The CME’s Daily Delivery Report, not surprisingly, showed that there were no more deliveries scheduled for the month of April…but they did report the First Notice Day numbers for delivery into the May silver contract very late last night EDT…and they were quite amazing. In gold, there were 1,288 contracts posted for delivery on May 1st, with all but six of them being issued by JPMorgan Chase…1,116 out of its client account…and the other 166 out of its in-house [proprietary] trading account.  The only two long/stoppers of note were Canada’s Bank of Nova Scotia with 973 contracts…and Barclays with 287. In silver, of the 1,506 contracts posted for delivery tomorrow, the only short/issuer worth mentioning was JPMorgan Chase with 1,484 contracts out of its in-house [proprietary] trading account.  The biggest long/stopper was JPMorgan in its client account, with 573 contracts.  The next three long/stoppers in order of size were Canada’s Bank of Nova Scotia, Credit Suisse and Merrill…with 233, 208 and 153 contracts respectively.  There were a couple of dozen long/stoppers in all…and yesterday’s Issuers and Stoppers Report is definitely worth a minute of your time.  The link is here.  Even though the gold price has rebounded smartly off its low of a week ago Tuesday morning Hong Kong time, the metal itself still continues to depart GLD for parts unknown.  On Monday an authorized participant withdrew 77,367 troy ounces.  This should not be the case at all…as gold should be flowing into GLD.  Over at SLV, they reported their third deposit by an authorized participant in as many days. This time it was 482,931 troy ounces. The U.S. Mint had another sales report yesterday.  They sold 1,000 ounces of gold eagles…and 1,000 one-ounce 24K gold buffaloes.  I expected more…much more.  After three days of no silver eagles sales, they finally reported selling 743,500 of them.  I will be very interested to see if they have a sales report today that shoves April silver eagles sales over the four million mark.  With one day short of a third of the 2013 calendar year under our collective belts, silver eagles sales sit at 18,198,500.  That’s a lot! Over at the Comex-approved depositories on Friday, they reported receiving 598,743 troy ounces of silver…and shipped 686,718 troy ounces of the stuff out the door.  The link to that activity is here. In gold on Friday, the Comex-approved depositories reported receiving 49,194 troy ounces of the stuff…and shipped 66,885 troy ounces out the door.  All the activity was at Scotia Mocatta…and the link to that is here. I thought that Monday might be a little quieter at the store, but it certainly didn’t turn out that way, as we had another huge sales day…almost all of it in silver.  Since the engineered price decline of two weeks ago…and except for a couple of stand-out days…silver has outsold gold about 200 to 1…minimum. There have been no changes in delivery…but because of a personal relationship, our store has been able to order a bit of stock from one our wholesalers…but nothing like we’d like to order if given half a chance. I read Ted Butler’s weekend commentary with great interest…and have permission to reprint the last two paragraphs from it.  Here they are… I am taken aback by the growing pervasiveness, more on the Internet, but also in the mainstream media of stories about silver having to do with the COMEX, short positions, manipulation, the COTs and how JPMorgan is the big silver short. Please try to understand how other-worldly this all is to me. I’m not trying to pat myself on the back in having introduced all these things (and others); I’m trying to convey that the ascension of these issues to the forefront seems to me to automatically increase the likelihood that the end of the silver manipulation is drawing near. After all, at some point, the whole scam must unravel once we pass the critical mass of public awareness. It is this growing awareness of the real issues in silver that has me both thunderstruck and more encouraged than ever before about silver’s investment prospects. We have a wildly bullish COT structure in silver and gold combined with what could be a nuclear fire emerging in silver physical demand. I don’t recall such a similar bullish price set up. JPMorgan is still a manipulative force to reckon with, but the growing spotlight on this crooked bank and the crooked exchange on which the price of silver is set, is bright…and this doesn’t bode well for the crooks. – Silver analyst Ted Butler…27 April 2013 Here’s your “cute quota” for the day… The gold stocks gapped up about 3 percent at the open…and then got sold off into that early London p.m. gold fix which I had mentioned a few paragraphs back.  The high for the gold stocks came at 11:00 a.m. Eastern Daylight Time…and then slid in fits and starts into the close.  The HUI finished the day up 1.62%. All four of them would have broken out to the upside if given the opportunity to do so. It was a pretty unexciting Monday in the gold market.  Prices chopped higher, with the high tick of the day coming moments before the 8:20 a.m. Comex open…and from there it got sold down to its New York low at the London p.m. gold fix.  From there it chopped higher into the 5:15 p.m. electronic close.  Gold’s high tick came in late electronic trading…and was recorded by Kitco as $1,477.80 spot.  The low at the p.m. fix was $1,462.50 spot. Gold close yesterday at $1,476.50 spot…up $13.60 on the day.  Gross volume was not overly heavy at around 144,000 contracts. Both platinum and palladium did pretty well for themselves…but it was obvious, at least to me, that there was a willing seller there to keep things under control less their respective prices rose to fast. The platinum chart for both Monday and Friday appear too similar to be a coincidence, but maybe it’s just me [once again] looking for black bears in dark rooms that aren’t there. Here are the charts for both…and you can decide for yourself. Sponsor Advertisement It was more or less the same story in silver, except for the fact that there was a surprise rally late in the electronic trading session, which got capped before it could get too far above the $24.60 spot mark…and from there it traded sideways into the close.  Silver’s high tick was $24.71 spot in electronic trading…its New York low was at what appeared to be an early London p.m. gold fix…and that was recorded as $24.01 spot. Silver closed at $24.59 spot…up 55 cents the ounce from Friday’s close.  Net volume was pretty chunky at 44,000 contracts…with more than half of that coming in the new front month, which is July. The silver stocks didn’t do quite as well as the gold stocks…and I’m sure part of that reason had to do with the fact that the big price surge in silver came after the close of the equity markets in New York.  Nick Laird’s Intraday Silver Sentiment Index closed up 0.74%. Since it’s Tuesday, I have a quite a few more stories than normal…and I hope you can find the time to read the ones that interest you the most. There are no market anymore…only interventions. – Chris Powell, GATA It was a very uneventful Monday in the precious metals…and they were kept quietly under control during the New York session.  All four of them would have broken out to the upside if given the opportunity to do so, which they weren’t.  With today being the last trading day of April, I’m not expecting big fireworks as far as the price is concerned, but you just never know. Today, at the close of Comex trading, is also the cut-off for this Friday’s Commitment of Traders Report. I don’t have much to add to what I’ve already said in the first section of today’s column…and the stories in today’s column should keep you off the streets for a while. I note that both gold and silver came under some selling pressure during the Far East trading session on their Tuesday…with the biggest percentage move down coming in silver, of course.  Lows were set in all four precious metals shortly after 2:00 p.m. Hong Kong time…but rallied back sharply about an hour into the London trading day.  Ted Butler says that most trading activity these days is of the high-frequency variety…and there’s no real liquidity in these markets, so ‘day boyz’ can do pretty much what they want with prices. Both gold and silver are still below their Monday closing prices as I hit the ‘send’ button on today’s column at 5:10 a.m. Eastern time…and platinum and palladium prices are unchanged.  Volumes are quite a bit higher than ‘normal’…and virtually all of silver’s volume is in the new front month, which is July.  The dollar index isn’t doing much. Just a quick reminder that TODAY at 2 p.m. EDT, Casey Research be premiering our Internationalizing Your Assets video event, with Doug Casey, Peter Schiff, Mike Maloney, and other experts on expatriating your wealth. If you have any interest at all on how to protect what’s rightfully yours from increasingly belligerent and overreaching governments, I urge you to register now for this free event, and learn for yourself how this fast-moving field is changing and why now may be one of the last chances you have to get started. Enjoy what’s left of your day…and I’ll see you here tomorrow.last_img read more

first_img — •  Springleaf Holdings (LEAF) is one of the biggest players in subprime lending… And its business is booming. Springleaf has a $6.7 billion portfolio of mostly subprime loans. It charges subprime borrowers an incredible 27% interest rate, on average. Springleaf’s earnings rose 14% during the second quarter. And its stock price is up 40% in the last year. Fortress Investment Group (FIG), one of the largest hedge and private equity firms in the world, owns a majority stake in Springleaf. Strict regulations have mostly stopped banks from making subprime loans. But those rules don’t apply to hedge funds. The Wall Street Journal explains how hedge funds are getting into the subprime business. Tighter regulations have pushed many banks out of subprime mortgages and sharply limited their interest in other types of subprime loans… The retreat has opened the door to non-banks like Fortress, which are flush with cash to invest and say they have learned the lessons of the financial crisis. We’re skeptical… and we wouldn’t be surprised to see a Springleaf blowup come to a market near you soon. •  If you trust that big financial institutions really have learned their lesson… Then you don’t need to do anything. And if you believe lending hundreds of billions of dollars to unqualified borrowers won’t cause another financial crisis… You don’t need to worry that your stocks and bonds will lose value. •  But… you might know your history. And it says not to trust big financial institutions… In 2008, we learned that the financial system is rigged to reward financial institutions for taking crazy risks. If a big financial institution takes a big risk and it pays off, it keeps the profit. If it takes a big risk and blows up the financial system, the government will bail it out…like it did in 2008. Big financial institutions have zero interest in keeping our financial system safe and stable. Their incentives are to take big risks. At some point, big risks like the growing number of subprime auto and credit card loans will cause another major financial crisis. We wrote Going Global 2015 to show Casey Research readers how to protect themselves. Going Global 2015 is a 233-page hardcover book that explains easy steps you can take to make sure the next financial crisis doesn’t wipe out your investments and savings. And right now, we’re practically giving this important book away for free. For just a small processing fee of $4.95…we’ll mail Going Global 2015 to your front door. Click here to claim your copy of Going Global 2015. Chart of the Day We mentioned earlier that Springleaf Holdings is one of the largest subprime lenders in America. It charges customers an average interest rate of nearly 27%. Today’s chart compares that rate with other common interest rates. As you can see, Springleaf’s average rate is more than six times higher than the average mortgage rate. And it’s nearly double the average interest rate on a credit card. These super-high rate loans are extremely expensive for the borrower…making them hard to pay back. Someone who borrows $1,500 at Springleaf’s 27% average rate for four years would end up paying $1,000 in interest. Recommended Links – A Rare Glimpse Inside the Portfolios of America’s Rich and Famous (You Won’t See This ANYWHERE Else) One of the most powerful and connected men in America just produced a stunning new piece of work. We think you’ll be shocked when you see what he’s uncovered. We’ve posted a short summary of his research – including instructions on how subscribers can claim a copy – right here.center_img One of the biggest causes of the financial crisis is back. Subprime lending is surging. Subprime loans are made to people with bad credit. They’re riskier than traditional loans. Lenders charge higher interest rates on subprime loans to compensate for the higher risk. Subprime lending exploded in the early-to-mid-2000s and fueled the housing bubble. When people couldn’t pay back these expensive loans, the housing market crashed. It sparked the biggest financial crisis since the Great Depression…and almost took down the whole US financial system. •  The subprime mortgage market is almost dead… Subprime loans account for just 0.25% of the mortgage market today…down from 26% in 2006. Banks have mostly gotten out of the subprime mortgage businesses. New regulations make it difficult for banks to make subprime loans. •  …But subprime lending is making a comeback. Lenders aren’t giving people subprime loans to buy houses much anymore. Instead, they’re giving subprime loans to people to buy cars… and to buy stuff on their credit cards. The Wall Street Journal reports that subprime auto and credit card lending has surged to its highest level since before the financial crisis. …[M]ore than one-third of all auto, credit card and personal loans from the start of January to the end of April went to subprime borrowers, according to the latest available data from credit-reporting firm Equifax Inc. That is the highest percentage since 2007. Lenders made 53.7 million auto, credit card and personal loans in the first four months of 2015, up 46% from 2010. Subprime auto loans are growing fastest, according to The New York Times: Over all, auto loans to subprime borrowers — typically people with credit scores at or below 640 — have more than doubled since the financial crisis, with one in four new auto loans going to subprime borrowers. In the second quarter of 2014, for example, total auto loan originations hovered at the highest level since before the financial crisis… Lenders made about $189 billion in new subprime consumer loans during the first eleven months of 2014. To put that into context, the subprime mortgage market was about $1.3 trillion before the financial crisis. Subprime auto and credit card loans aren’t huge yet…but they’re not tiny either. And as we’ve explained, they are growing fast. It’s another disaster in the making. Grab International Speculator While It’s 50% OFF The world’s most explosive mining and energy stocks at our lowest rate ever. Click here to claim your discount before it’s gone. Regards, Justin Spittler Delray Beach, Florida August 12, 2015last_img read more

Fresh concerns have been raised about recruitment

first_imgFresh concerns have been raised about recruitment at one of the outsourcing companies delivering assessments for the government’s new disability benefit, after it sent out a “very urgent” request for 90 more staff.Only two months ago, Disability News Service (DNS) reported how delivery of the personal independence payment (PIP) appeared to have been plunged back into crisis after Capita reception staff were sent scripts telling them how to explain to benefit claimants why their appointments had been cancelled.Because of a shortage of assessors, Capita was forced to recruit 90 more healthcare professionals, just five months after making an estimated 80 of its 400 assessors redundant.Those redundancies followed a huge recruitment drive last summer to cope with PIP delays and backlogs, tempting many staff from stable jobs in the NHS with a promise of better conditions and long-term work.The company said in June that its latest recruitment push was part of a regular review of its “resourcing plans”, and that it was “looking at the number of assessors required to support the introduction of the changes that are expected later this year”.Last month, government figures secured by DNS showed that claimants in areas managed by Atos were six times more likely to wait longer than 20 weeks for a PIP decision than in those parts of the country managed by Capita.Despite those figures, Capita has now launched yet another recruitment drive to find healthcare staff who can assess claimants’ eligibility for PIP, which is replacing working-age disability living allowance (DLA).The new recruitment drive will add to concerns about the number of nurses, doctors and other healthcare professionals being tempted away from the NHS to work for Capita, as well as Atos and Maximus, the other outsourcing companies assessing disability benefit claimants.In an email seen by DNS, a Capita recruitment executive says the company is looking for nurses, occupational therapists, physiotherapists and paramedics “who can join us ASAP” in “VERY urgent roles”.When asked why Capita needed to recruit another 90 assessors in “very urgent roles” so soon after the last recruitment drive, a Capita spokesman said: “We continually review our service to ensure we have the right level of people in place to meet the requirements of the Department for Work and Pensions and claimants.“The department’s recent official statistics reflect the good continued progress Capita is making to improve claimant waiting times.“The current recruitment programme reflects our focus on preparing for the full roll out of PIP later this year.”This full rollout of PIP actually began last month, with the Department for Work and Pensions beginning to invite claimants who currently have a long-term or indefinite award to be reassessed for PIP – including those living in two postcode areas managed by Capita – a process which is expected to last about two years.DNS first began reporting on delays and backlogs in the PIP system in late 2013. In January, one disabled woman described how she had been forced to wait more than 14 months to be assessed.By the end of March 2015, according to figures published in May, nearly 23,000 disabled people had been waiting longer than 20 weeks for their new PIP claims to be decided. Of those 23,000, more than 3,000 had been waiting longer than a year.last_img read more

Damning new evidence suggests that senior figures

first_imgDamning new evidence suggests that senior figures in the Department for Work and Pensions (DWP) covered up a coroner’s warning about the grave dangers posed by a new disability assessment.Disability News Service (DNS) has seen a series of letters that suggest the department was given all the information it needed to carry out an urgent review of the safety of aspects of the work capability assessment (WCA) in 2010.But that review – ordered by coroner Tom Osborne through a process known as a Rule 43 letter – appears never to have been carried out.Osborne wrote to the department on 30 March 2010 – originally addressing his concerns to Labour work and pensions secretary Yvette Cooper – just a few days before the start of the general election campaign.His letter followed an inquest he had carried out into the death of 41-year-old Stephen Carre (pictured), from Eaton Bray, Bedfordshire, who had taken his own life in January 2010*.On 4 May, Osborne received an initial response from the DWP’s most senior civil servant, its permanent secretary, Sir Leigh Lewis.When DNS first revealed the existence of the Rule 43 letter last month, DWP claimed in a statement that it had responded to the coroner on 4 May 2010.But DNS has now seen the 4 May letter, and it merely outlines departmental procedures on the WCA, provides brief details from Stephen Carre’s assessment, and asks the coroner for medical information about the case.Sir Leigh promises that this further information will allow him to “complete our investigation and review our existing procedures, as you have asked, to determine the need for any changes to our current medical evidence gathering process”.Three further letters written by the coroner show that he provided the information requested by Sir Leigh, but never received a response from DWP to his Rule 43 report.On 12 May 2010, Osborne advised Sir Leigh that DWP did not need to investigate the circumstances surrounding Stephen Carre’s death, as that had already taken place at the inquest.He said DWP needed instead to look at the “use of medical evidence when determining entitlement of benefit of those patients who are suffering from a psychiatric illness”, but he still offered to send Sir Leigh a transcript of the inquest evidence.On 3 August, Osborne sent him the inquest transcript, apparently in response to a request from the department.Two months later, on 6 October 2010, Osborne wrote to Peter Carre, Stephen’s father, to tell him that he had yet to receive a “substantive response” to his Rule 43 letter, and promising to contact him if he did.Peter Carre did not hear from the coroner again until after he was contacted by DNS last month, more than five years after Osborne’s last letter.Carre told DNS that he believed the lives of other people with mental health conditions like his son could have been saved if DWP had acted on the coroner’s Rule 43 letter in 2010.He said Osborne told him in 2010 that DWP should have replied to the Rule 43 letter, but there was nothing he could do if they failed to do so.Carre said: “It was an opportunity to do something, and it was missed. They should be held accountable for their action, or lack of it.“That would be the one thing I would say: that the people who were there and are still there should still be accountable for their lack of action.”The letters are important because at the time they were being exchanged, the newly-appointed Conservative work and pensions secretary, Iain Duncan Smith, and his employment minister Chris Grayling, were finalising plans to roll out the WCA the following year to hundreds of thousands of existing claimants of incapacity benefit (IB), many of them with mental health conditions.And in the summer of 2010, Grayling appointed Professor Malcolm Harrington to carry out an independent review of the “fairness and effectiveness” of the WCA, and later told him that he wanted to go ahead with plans to roll out the assessment, despite Harrington suggesting that this should be delayed by a year.Harrington has told DNS that he believes he was never shown the coroner’s Rule 43 letter.More than three years later, another coroner wrote an almost identical letter warning of similar concerns about the safety of the WCA, this time after the death of a north London man, Michael O’Sullivan, who also took his own life after being found fit for work after a WCA.Last month, new research concluded that the programme to reassess people claiming IB using the WCA could have caused 590 suicides in just three years.And last week, a former government adviser told DNS how ministers and civil servants were “ruthless” and “reckless” in forcing through their new “fitness for work” test and refusing to abandon it even after they were told of the harm it was causing.Even before the emergence of the latest letters, disabled activists had called for Duncan Smith and Grayling to face a criminal investigation over the alleged cover-up.This week, more than five weeks after the existence of the Rule 43 letter was first brought to DWP’s attention, a spokeswoman for the department said in response to a series of questions from DNS that “because this issue happened more than five years ago we simply don’t have access to the information you’re seeking”.  She added: “Therefore, I think the best route for your line of inquiry is an FOI [request under the Freedom of Information Act]. And we’ll be happy to provide a formal statement once that FOI process is complete.”*Osborne ruled that the trigger for Stephen Carre’s suicide had been DWP’s rejection of his appeal against being found “fit for work”, and he called in his Rule 43 letter for a review of the policy not to seek medical evidence from a GP or psychiatrist if the claimant has a mental health condition. Neither the Atos assessor who assessed Carre, nor the DWP decision-maker who subsequently decided that he was fit for work and therefore ineligible for the new employment and support allowance, had sought information from his GP, his community psychiatric nurse or his psychiatrist.last_img read more

STARTERS ORDERS Weds Movers Specials

first_imgWelcome to Starters Orders. Our daily midday update from the trading room at Star Sports with our key market movers for the day across all sports.Wednesday 25 AprilDAILY SPECIALSBET NOW starsports.bet or 08000 521 321 HORSE RACING4.15 PerthTeddy Tee 5/1 > 100/304.35 CatterickSir Hector 9/1 > 5/14.50 LingfieldSilca Mistress 12/1 > 8/16.40 PunchestownBlast Of Koeman 10/1 > 11/2CHAMPIONS LEAGUEUEFA Champions League Semi-Final 1st Leg19:45 BT Sport 2evs Bayern Munich 5/2 Real Madrid 14/5 DRAWBET NOW starsports.bet or 08000 521 321last_img read more

first_img 10 min read This story originally appeared on Business Insider Steve Kovach June 5, 2017 Image credit: Samantha Lee/Business Insider iPad sales have been declining since 2013. Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. –shares The iPad Was Supposed to Revolutionize News, Books and Computers. So What Happened? Add to Queue A few months after Steve Jobs introduced the iPad to the world, a device he called “magical and revolutionary” onstage, there was a team visiting Apple headquarters working to find ways to live up to that description. When the tablet came out in 2010, some people weren’t sure what to use it for. Apple had to demonstrate how you could lean back on a couch and read or watch a show, in a way that didn’t make sense on a laptop or a phone.This team was scrambling to create something brand new for the iPad ahead of a splashy launch in New York. But the team didn’t work for Apple; they worked for Rupert Murdoch’s News Corp., and under the close watch of Jobs and Apple’s iPad team, they were trying to create the first newspaper designed specifically for a tablet.The app would be called The Daily, and it looked like a tabloid come to life, with animated graphics and videos.”There were regular visits to Cupertino where we showed them new prototypes,” Jon Dobrowolski, who worked on The Daily as the head of product, said in an interview with Business Insider. “They would help us work through complex problems. We were doing things that hadn’t pushed the iPad that far.”It was clear Apple wanted The Daily to be a success as much as News Corp did. Jobs provided feedback on early versions of the app. There was a sense within News Corp. that Jobs would’ve been even more involved with the project if his health hadn’t started to seriously decline around the same time The Daily was gearing up to launch, Dobrowolski said.It would’ve been the ultimate proof that the iPad had a purpose, even if that purpose was a bit muddy at launch. As the iPod changed music industry and the iPhone changed telecommunications, the iPad would change news and publishing.In February 2011, a little more than a year after the original iPad launched, Murdoch, gathered a scrum of media and tech reporters at the Guggenheim in New York to unveil what he believed would be a transformative way to get news.Rupert Murdoch introduced The Daily in New York in 2010.Image credit: News Corp.For 99 cents a week or $39.99 a year, subscribers to The Daily would get an interactive reimagining of a daily news publication, full of interactive charts, video and other electronic goodies along with high-quality journalism from a newsroom packed with editors and reporters with impressive résumés.Apple’s iTunes boss at the time, Eddy Cue, was onstage as well, promoting the App Store’s new subscription model and giving his blessing to The Daily. He called the iPad a new category of device and boasted about the growing ecosystem of apps for it.”The iPad demands we rethink our craft,” Murdoch said from the stage.The Daily shut down less than two years later.It was the first sign that the promise of the iPad — that it would upend industries like book publishing, education, the news media and even video entertainment — would not come to pass. iPad sales have been in free fall since 2013. Ebook sales are plummeting by double-digit percentages as print books show a surprising renewed growth. Digital publishers have found more success on Facebook and other digital platforms, not tying their futures to one gadget. And despite a push to reinvent textbook publishing, Apple failed to make a dent in an industry controlled by big publishers.”The role of the iPad was probably vaguer than any product Apple launched,” said Jan Dawson, chief analyst at Jackdaw Research. “It wasn’t well defined.”And Apple is still trying to figure it out.This week, Apple will host its annual World Wide Developers Conference (WWDC), where it shows off new versions of the software that powers its products. There are also rumblings that we might get a look at a new iPad Pro model with a 10.5-inch screen and shrunken-down bezels aimed at transforming the iPad from a media-consumption device to one that could replace your laptop.But even Apple’s biggest fans have had doubts the iPad can be the new kind of computer the company wants it to be, and the onus is on Apple this week to put the tools in place to make it happen or risk failing to deliver on yet another promise.iPad sales have been declining since 2013.Publishing revolution?Even the support from Apple couldn’t save The Daily, and it’s a useful lesson in why some of the early hopes for the iPad never panned out.From the beginning, the app was plagued with bugs and crashes, which Dobrowolski blamed on the fact that the iPad was still essentially running software and chips designed for a phone.The production process wasn’t as easy as News Corp. thought it’d be. When The Daily launched, News Corp. executives claimed they’d save on overhead costs and production time because they didn’t have to print and deliver a physical newspaper. Each issue would magically show up on subscribers’ iPads instead.ScreenshotThe reality: It took a lot more work to produce each edition of The Daily than originally thought.Dobrowolski said the team would often work from 10 a.m. until 4 a.m. the next day, trying to get each issue out on time, wrestling with graphics and layout for both vertical and horizontal positions formats.It turned out that iPad publishing was a tricky process, and, in the end, the subscribers simply weren’t there, forcing The Daily to announce it was shutting down in December 2012, not even two years after its debut.No one tried anything on that scale again. The Daily was the most ambitious, but it wasn’t alone. Condé Nast and other major magazine publishers made efforts to transfer their portfolio of magazines to the iPad. But all those additional videos, graphics and animations could take up to a few gigabytes of memory with each issue, which turned out to be a bad experience since iPads had a measly 16 gigs to start with. Others were just PDF versions of the print magazine. Hardly revolutionary.After The Daily’s failure, Apple tried in 2012 to take on the lucrative textbook industry with another high-profile event in New York, the heart of the publishing industry. The company debuted iBooks 2, a new ebooks app that featured digital, interactive textbooks from a few major publishers. But Apple fell largely silent about its ambitions to “reinvent the textbook” after the event, and there’s scant evidence that publishers have embraced iBooks over print.”Apple hasn’t disrupted the textbook market at all,” Dawson said. “Textbooks are a very high-margin business for publishers, and there’s little incentive for them to sell on the iPad. Without having them on board it’s really hard to disrupt a market like that.”A new kind of computerApple now pitches the iPad as a device that can replace your laptop.Image credit: Tech Insider/Steve KovachBy the following year, the iPad saw its first sales decline, and it hasn’t recovered since. There were many factors to blame. Some said it was because people realized you don’t need to upgrade your iPad every year or two like you do with the iPhone. Others said Apple’s introduction of the big-screen iPhone 6 and iPhone 6 Plus ate into iPad sales.So now we’re in the middle of another promise: The iPad as a laptop replacement. In 2015, Apple introduced the iPad Pro, adding more power, a larger screen and new capabilities thanks to a snap-on keyboard cover and $99 stylus called the Apple Pencil. CEO Tim Cook claimed in an interview before the Pro’s launch that the iPad Pro could do enough to replace a laptop.It was a remarkable pivot and the first time Apple explicitly claimed it had made a new kind of computer. Jobs and other Apple executives had always talked about the long-term prospects of the iPad as a new kind of PC, but the iPad Pro was the first model in the product’s five years that was being marketed that way.But critics, including some of Apple’s biggest defenders, aren’t totally buying it. Pro-Apple writer John Gruber wrote a long critique about the keyboard cover. “Trying to use the iPad Pro as a laptop with the Smart Keyboard exposes the seams of an OS that was clearly designed for touchscreen use first,” he wrote.Recode’s Walt Mossberg put it more bluntly, saying “because Apple hasn’t made a great keyboard, the iPad Pro isn’t a complete replacement for a great laptop like the MacBook Air.”It’s not just the hardware. While some apps like Microsoft Office have made it to the iPad, it’s still missing other essential productivity apps that could truly make it a laptop replacement. Much of the iPad app ecosystem is still populated with jumbo-sized iPhone apps, not the reimagined apps needed to take advantage of more screen space and extra power. The iPad’s split-screen feature helps a little, but it’s not enough.The benefits would be enormous — a device as powerful and capable as a laptop but packed in an ultrathin, portable package. No one has cracked that yet.”The big challenge is how to evolve iOS on an iPad in a way that feels natural in that setting,” Dawson said. “Apple has a tricky balancing act.”So now the pressure is on Apple to figure out where the iPad fits in. The iPad is far from a flop — any of Apple’s rivals would kill to have a product that sells around 10 million units per quarter — but it still hasn’t found a distinct purpose within Apple’s hardware ecosystem.While the iPad made a great consumption device, it failed to disrupt the media and publishing industries that Apple and its early partners first imagined. And in the nearly two years since the iPad Pro’s debut, it’s unclear how successful Apple can be with its next major promise: turning the iPad into a dream device that replaces your laptop altogether.As WWDC approaches, some are already speculating what Apple could do to take the iPad to the next level. (Scott Stein of CNET has a good piece on that very topic, where he suggests revamping the home screen, improving the Safari browser and more. It’s worth a read.) And if we do see new hardware, it’ll have to address the qualms critics have had with the keyboard.The iPad has proved itself to be magical and successful. The next step is to prove it can be revolutionary. Apple Next Article Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals Register Now »last_img read more

first_img Next Article The only list that measures privately-held company performance across multiple dimensions—not just revenue. Rob LeFebvre 2 min read Meet the Uber Visa card. Add to Queue Image credit: Uber –shares October 26, 2017center_img Writer Uber’s New Credit Card Could Be a Tough Sell 2019 Entrepreneur 360 List Uber isn’t exactly known for protecting the privacy of its drivers or riders. Tim Cook reportedly had to threaten to remove the Uber app from iPhones after he discovered the app was “fingerprinting” iPhones with a permanent ID. The ride sharing company had to stop gathering location data from passengers, even after a ride ended, and it settled with the FTC over abuse of customer data. Now Uber is offering a new credit card, available Nov. 2, which might seem a bit counter-intuitive.The Uber Visa has no annual fee, and users earn $100 after they spend $500 in the first 90 days of owning the card. You’ll get rewards for using the card, and they’ll accrue even faster for buying food in a restaurant, booking a trip, taking an Uber (obviously) or shopping online. You’ll be able to redeem the rewards for Uber credits on rides and UberEats delivery, as well as cash back or gift cards. It will even grant you an annual $50 “subscription credit” you can use towards Netflix, Spotify or Amazon Prime. Uber also says that cardholders can get coverage for theft or damage of their mobile devices, and invites to secret shows and dining experiences. All subject to “terms,” of course. Still, given the company’s track record, it might be a tough sell to ask customers to sign up.Update: Uber clarified to Engadget that it would not get any information on individual spending, as that will stay with the issuing bank, Barclays. The only thing Uber will know is the amount of spending that occurs on their cards in aggregate. The company says it will have access to how many Uber credits that rider has earned through the percent back on an individual level. This post has been edited in light of those details. Uber This story originally appeared on Engadget Apply Now »last_img read more

first_imgTextmunication Announces Agreement to Integrate SMS with Deep Sky Mobile VoIP Platform Business WireJune 24, 2019, 6:06 pmJune 24, 2019 cloud-based communicationMarketing TechnologyMemorandum of UnderstandingNewsRCSSky VoIP PlatformTextmunication Holdings Previous ArticleActiveViam Receives Investment from Guidepost Growth EquityNext ArticleCloudscene Launches Enterprise Tool to Find Cloud Connectivity Routes Worldwide Textmunication Holdings, Inc., a cloud-based communication technology holding company, announced it has signed a Memorandum of Understanding (MOU) to integrate SMS into Deep Sky VoIP Platform.“Top 20 Most Promising Digital Marketing Solution Providers”The Company is pleased to announce it has signed a MOU with Deep Sky Mobile to collaborate on the development of SMS and VoIP enabled projects for the commercial market.Along with Deep Sky’s VoIP and IoT services, our proprietary SAM platform which is capable of sending over 1 Billion SMS or RCS messages per month, could provide the infrastructure to build a network or Cloud and API applications that could be beneficial to both companies.RCS Integration We will explore the integration of Rich Communication Services (RCS) service within their suite of products. RCS is a communication protocol aimed at replacing SMS messages with a text-message system that is richer, provides interactivity and can transmit in-call multimedia. RCS has received strong backing from Google – and more recently from Samsung and Verizon who have also started implementing the RCS protocol.Recent GSMA (Global System for Mobile Communications) estimates indicate the RCS market will be worth $74 billion by 2021, with estimates that 86% of all smartphones will be RCS-enabled by 2020.Marketing Technology News: Yext Study: 58% Of Healthcare and Pharmaceutical Marketers Say Their Marketing Management Strategy Needs Major ImprovementsSMS Integration with IoT The Company will also work on integrating SMS in Deep Sky Internet of Things (IoT) Platform, which provides a cloud solution for industrial IoT (IIoT) clients to monitor critical assets and equipment in real-time.The integration of SMS will provide organizations with time-sensitive information on which to make critical decisions, and enhance Deep Sky’s IoT platform for enterprise clients requiring that data.AI and Data Analytics We will also work on developing an Artificial Intelligence and Data Analytics cloud on which we can build “big data” solutions utilizing the information collected on both the SMS, IoT and VoIP platforms to provide next-generation service to customers.Wais Asefi, the CEO of Textmunication commented, “We are excited to announce our collaboration with Deep Sky in integrating our SMS and RCS technology along with their VoIP service. This vision won’t be done overnight, but we believe through our combination of technologies, and expertise, we now have the ability to build both companies in the enterprise service market.”Marketing Technology News: PMG Launches Marketing Intelligence Platform — Meet AlliInvestor Mailing ListIf interested in receiving investor updates on Deep Sky Mobile register onlineText SWRM to short code 52236 to sign-up for news alerts and announcements via SMS for Deep Sky MobileMarketing Technology News: Top of Mind Networks Adds BombBomb Integration to Surefire CRMlast_img read more

Source:https://news.northwestern.edu/stories/2018/december/fitness-instructors-comments-shape-womens-body-satisfaction Reviewed by James Ives, M.Psych. (Editor)Dec 14 2018Exercise has been called a double-edged sword for women when it comes to body image as some types of exercise seem to improve body esteem, whereas others have the potential to lower it.In other words, from a psychological perspective, not all fitness approaches are created equal.A new Northwestern University study found that while exercise, in this case, a 16-minute conditioning class, generally improved women’s mood and body satisfaction, women felt even better if the instructor made motivational comments that focused on strength and health instead of on losing weight or changing the appearance of one’s body.”Our goal was to determine whether the psychological outcomes of a fitness class might vary based on whether the instructor made motivational comments based on health verses appearance,” said Renee Engeln, lead author of the study and professor of instruction in psychology in the Weinberg College of Arts and Sciences at Northwestern.Related StoriesA short bout of exercise improves brain function, study revealsIt’s never too late to take up exercise, advise researchersLiver fat biomarker levels linked with metabolic health benefits of exercise, study findsAfter taking the class, women reported more positive emotions and felt more satisfied with the shape of their body if the instructor said things like, “This exercise is crucial to developing strength in the legs; these are the muscles that truly help you run, jump, sprint like a super hero!” Those randomly assigned to the class in which the instructor made appearance-focused comments like, “This exercise blasts fat in the legs, no more thunder thighs for us! Get rid of that cellulite!” didn’t show those same improvements.”We also asked the women to list three words that described how they felt at the end of class,” said Engeln, author of “Beauty Sick” (HarperCollins, 2017). “Those who heard appearance-focused comments were much more likely to write things like ‘ashamed’ and ‘disgusted with myself.’ Those in the health-focused classes were more likely to write things like ‘accomplished’ and ‘strong.'”Engeln said the study is one more reminder that words really matter.”The women in this study all did the same exercises, in the same room, with the same music playing,” Engeln added. “Yet just modifying the script the fitness instructor used had a meaningful impact on the way they felt about themselves afterward.”If we want people to stick with exercise, we need to remove shame from the equation. This study points to an easy and cost-free step that fitness instructors can take to make their classrooms healthier, more inclusive and more inspiring.””Tone it Down: How Fitness Instructors’ Motivational Comments Shape Women’s Body Satisfaction” published online and will be in the December print issue of the Journal of Clinical Sport Psychology. In addition to Engeln, co-authors include Margaret Shavlik of Vanderbilt University and Colleen Daly of Northwestern. read more